Lending software for Romania

A fast-growing digital market where non-bank lenders use Biroul de Credit and instant SENT transfers. lendhero arrives with Biroul de Credit, Onfido and SENT instant already connected, so your team configures products instead of plumbing.

See the local stack
  • RON (lei)
  • Romanian, English
  • 16 local connectors
  • 1–2 weeks to launch

Bună, Ioana

Approved10.000 lei

791

Credit score

On-time payments

Monthly payment328 lei

Market profile

Romania at a glance

What lendhero is set up for in Romania before your team logs in.

Currency

RON (lei)

Languages

Romanian, English

Supervisor

National Bank of Romania

Credit data

Biroul de Credit, CRB

Payout rails

SENT instant, SEPA

Data protection

GDPR and Law 190/2018

16
local connectors wired in before kickoff
RON
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Romanian, English

Working with borrowers in Romania

Tools for every borrower conversation

Borrowers in Romania apply, sign, pay and come back for repeat loans in Romanian and RON.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Romanian.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Ioana · Consumer loan, 6 months · 10.000 lei

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Romania stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Romania rely on. Anything missing is added through the open API.

  • Credit bureaus & registries2 connectors
    • BBiroul de Credit
    • CCRB
  • Identity & KYC2 connectors
    • OOnfido
    • SSumsub
  • Bank & alternative data2 connectors
    • TTink
    • SSalt Edge
  • Disbursement rails2 connectors
    • SSENT instant
    • SSEPA
  • Repayments & collections3 connectors
    • DDirect debit
    • CCard
    • PPayPoint
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • ccertSIGN
    • DDocuSign

Checks and payments

Who borrows and how money moves in Romania

Applicants are checked with Biroul de Credit and CRB, and money moves via SENT instant and SEPA.

Client checks

Checks connected in Romania:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, SumsubPass
  • Credit bureausBiroul de Credit, CRBPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, Salt EdgeReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Romania:

DisbursementSENT instant, SEPA in RON
RepaymentDirect debit, Card, PayPoint
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SENT instant
  • SEPA
  • Direct debit
  • Card
  • PayPoint

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in RON are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

10.000 lei

On track
Auto-calculated · 200+ parametersManual edit
Repaid 3.570 lei of 10.700 lei2 of 6 payments
DateAmountStatus
Sep 41.780 leiPaid
Oct 41.780 leiPaid
Nov 41.780 leiDue in 7 days
Dec 41.780 leiUpcoming
Jan 41.780 leiUpcoming
Reminder sentYour payment of 1.780 lei is due Nov 4

Loan flow

How a loan runs in Romania. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Romanian and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Sumsub.
  3. 03DecideScorecards pull Biroul de Credit and CRB data and return a decision in seconds.
  4. 04DisburseFunds go out via SENT instant or SEPA in RON, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and Card, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

10.000 lei

Next payment

1.780 lei · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

IoanaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Romania launch on .

Consumer instalment loansOnline personal loans with Biroul de Credit checks.
MicrofinanceSmall loans for farmers and the self-employed.
BNPL & POSInstalments for retailers.

Compliance

Configured for BNR and GDPR and Law 190/2018.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Romania.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and Law 190/2018 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and Law 190/2018.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BNR rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Central & Eastern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Romania?+

Yes. The platform is set up for RON, Romanian and English and BNR requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Romania?+

Biroul de Credit, CRB. On top of that, identity checks run through Onfido and Sumsub and bank data comes from Tink and Salt Edge.

How do borrowers get paid and repay?+

Payouts go out via SENT instant and SEPA in RON. Repayments arrive via Direct debit, Card and PayPoint, with reminders over WhatsApp Business and Infobip.

How long does a launch in Romania take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Romania? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.